Online Accounts Islamic Cashback Account

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Earn 5% Cashback on Debit Card spends and earn up to 2% expected profit per annum on your Islamic Cashback Account balance

The first ever savings account with cashback on Debit Cards.
Spend and save with the Islamic Cashback Account.

5% Cashback
Earn 5% cashback on all your Debit Card spends (minimum monthly spend AED 1,500)
Attractive Expected Profit Rates
Earn up to 2% expected profit per annum on your Islamic Cashback Account balance

Keep in mind

  • To open an Islamic Cashback Account, you should have an existing ADCB/ADCB Islamic Banking Current, The Elite or Savings Account.
  • Islamic Cashback Account cannot be opened as a joint account.
  • Expected profit is calculated and paid monthly, based on the average balance tier of the Islamic Cashback Account and its corresponding expected profit rate.
  • A monthly fee will be applicable if the segment-specific relationship balance criteria is not met (as per Schedule of Fees).
  • Additional statement of account outside the normal cycle will be charged as per Schedule of Fees.
 
 


You earn expected profit on your savings based on the Monthly Average Balance (MAB) of your Islamic Cashback Account, and the expected profit is posted monthly.


Tier Islamic Cashback Account MONTHLY AVERAGE BALANCE Expected Profit Rate (Per Annum)
- Less than AED 50,000 0.00%
Bronze AED 50,000 to less than AED 200,000 1.00%
Silver AED 200,000 to less than AED 500,000 1.50%
Gold AED 500,000 and above 2.00%


In addition to the expected profit on your savings, you can also earn cashback on your total monthly spend across all your Debit Cards by meeting the below criteria:


  • Your Monthly Average Balance (MAB) of the Islamic Cashback Account falls within an eligible tier.
  • If your total spends across all Debit Cards (note: no Debit Card is issued with the Islamic cashback account) exceeds AED 1,500 in a month.
  • Both the criteria should be met independently to earn the cashback as per the applicable tier.
  • In case the Customer has multiple Cashback Accounts, the monthly average balance for cashback reward eligibility will be calculated using aggregate account balance of all the Cashback Accounts. Cashback will be paid only in the default Cashback Account that is the oldest Cashback Account opened with ADCB.
  • Cashback reward will be calculated and paid monthly in the Cashback Account, within the first week (seven (7) days) of every month.

Tier Islamic Cashback Account MONTHLY AVERAGE BALANCE Monthly Cashback
- Less than AED 50,000 -
Bronze AED 50,000 to less than AED 200,000 5%, up to AED 250
Silver AED 200,000 to less than AED 500,000 5%, up to AED750
Gold AED 500,000 and above 5%, up to AED1,500

Important Information

Following transactions on the Debit Card(s) will not be considered for calculating the minimum spend threshold (AED1,500) and/or the cashback altogether:

  • Balance Transfer
  • ATM Withdrawal
  • Charges on the Card, charged by ADCB Islamic Banking
  • Transactions reversed by the merchant
  • Quasi cash transactions (e.g. wallet load, money transfers)
  • Any other transaction determined by ADCB Islamic Banking from time to time. (together referred as the “Non-eligible Transaction”)

Eligibility Criteria

Available for UAE residents.
To open an Islamic Cashback Account, the Customer must have attained majority as per the applicable laws and should have an existing ADCB/ADCB Islamic Banking Current, The Elite or Savings Account.
The Islamic Cashback Account must be opened by the Customer personally and may not be opened on behalf of someone else. The number of Cashback Accounts that can be opened by the Customer is subject to ADCB Islamic Banking sole discretion.
The Islamic Cashback Account cannot be opened as a joint account or for a minor.

Charges and Fees

Please refer to the Schedule of Fees.

Terms and conditions

Terms and Conditions apply.

To view the full ADCB Islamic Banking and ADCB Islamic Cashback Account supplementary Terms and Conditions, click here.

Shari’ah Certificates (Fatwa)

To view Shari’ah Certificates, please click here.

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